THIRUVANANTHAPURAM: The doorstep ATM scheme of the Kerala Postal Circle is a big hit in the state with 10.38 lakh transactions since the project was launched in September 2019. The service is in much demand in areas with less accessibility to banking services.
The doorstep ATM, an Aadhaar-enabled payment system (AePS), enables people to withdraw money from their savings bank account with different banks. The postman delivers money at the customer’s house and the service is free of cost. The service became popular in the state during the lockdown. Over Rs 380 crore was disbursed through the AePs so far.
Next, the customer has to provide the OTP, Aadhaar number and specify the required amount. Instead of giving Aadhaar number, customers can also opt for QR code scanning of Aadhaar card or virtual ID of Aadhaar card.
On placing a finger on the biometric device, the verification is done and the postman will deliver the cash. There is no paper receipt and the customer will receive an SMS with details of amount withdrawn, time, available balance and the postal agent’s ID number.
Customers are advised to make bookings over the helpline numbers at postal divisional offices though local post offices would also accept calls. Banks like SBI have imposed certain limits on the transactions which allow customers to only withdraw Rs 10,000 per day, among others.